Nilipokuwa nafanya course ya lending management chuoni niliwahi jifunza " 10 commandments of credit" kama ifuatavyo:-
1) Do not lend to security
2) Always find two ways out " repayment and realization of security"
3) Lend to the future, not the past
4) Own your decision
5) Understand the business
6) Do not be " fairweather" bankers i.e only offer umbrella if it is not raining.
7) Customer is not KING rather is a partner
8) Do not bow to pressure for a quick answer
9) Do not make subjective decisions without all facts
10) Ensure security is perfected before advancing funds